Tree damage claims, documented the way adjusters need
We remove the tree safely and hand you a complete photo log and itemized invoice, so your claim does not stall waiting on paperwork.
How claim help works
Emergency removal comes first. Documentation happens at every step, not afterward.
- Minute 0
You call the storm line
A dispatcher logs the damage and assigns the nearest crew. Your claim file starts here.
- On arrival
Before-cut documentation
Wide shots, impact close-ups and the root plate or break point, all before a single cut.
- Same day
Removal on video
Crane picks and rigging are recorded with time stamps, then the tarp partner seals the roof.
- Within 24 hours
Itemized invoice and photo log
Removal, haul-off and stump grinding listed separately, the way adjusters read them.
- When needed
Adjuster walk-through
We share the file with your adjuster and can meet on site. Average approval for 2025 clients: 11 days.
What you get for your adjuster
Included free with every storm job. Adjusters see hundreds of files after a hurricane, and complete ones move first.
Before-cut photo set
Wide, mid and close shots of the tree and every point of impact.
Removal video
Time-stamped clips of crane picks and rigging off the structure.
Failure point photos
Root plate or break point images that show wind failure, not neglect.
Itemized invoice
Emergency removal, haul-off and grinding listed as separate lines.
Arborist condition note
A signed note on the tree's prior health when questions come up.
Direct adjuster copy
Sent to your adjuster by email with your permission.
Will insurance pay? The usual answers
General patterns for Florida homeowner policies. Your policy wording decides, so confirm with your agent.
| Scenario | Typical outcome | Notes |
|---|---|---|
| Wind blows a healthy tree onto your house | Usually covered | Removal often capped per tree; dwelling repair under your policy and hurricane deductible |
| Tree falls on a fence or shed | Often covered | Other structures coverage; removal cap may apply |
| Tree falls in the yard, hits nothing | Usually not covered | Cleanup is typically the homeowner's cost |
| Tree falls on your car | Auto policy | Comprehensive coverage on your auto policy, not homeowners |
| Dead or neglected tree fails | May be denied | Insurers can cite lack of maintenance |
| Neighbor's healthy tree falls on your home | Your policy | Your own homeowner coverage typically responds first |
Swipe to see the full table
StormReady is a tree service, not a public adjuster or insurance agent. We do not negotiate claims or interpret coverage. For a deeper explainer, read Does homeowners insurance cover tree removal in Florida?
Big tree job, small monthly payments
Split any job over $1,500 into fixed monthly payments. Qualified homeowners can choose 12 months same-as-cash. Checking your rate takes two minutes and does not affect your credit score.
- Approval decision in minutes
- Terms from 12 to 60 months
- Use it alongside an insurance claim
Sample monthly payments
- Oak removal with crane$3,900 job$168/mo
- Storm cleanup, 3 trees$6,200 job$267/mo
- Half-acre lot clearing$8,400 job$362/mo
Sample figures for illustration only, based on 24 months at 9.99% APR. Financing through a third-party lender, subject to credit approval. Your terms may differ.
Claim questions
Still unsure? Call the office and ask for Tasha, who has walked hundreds of homeowners through storm claims.
If a tree damages a covered structure like your home, garage or fence, most Florida policies cover removal, often with a per-tree cap. Trees that fall without hitting anything are usually not covered. Check your policy or ask your agent.
No. We document damage and provide itemized invoices and photo logs that support your claim. Coverage decisions are made by your insurance company.
Often yes in Tampa, Temple Terrace and unincorporated Hillsborough and Pasco County, depending on size and species. Florida law also allows removal of trees documented as dangerous by an arborist. We check rules for your address before quoting.
Yes. Our crews are led by ISA Certified Arborists, and we carry $2 million in general liability and full workers' compensation. Certificates are emailed on request.
Tree damage? Start with a call
Get the weight off the house first. We start the photo log the moment we arrive.
4.9 from 1,284 reviews, ISA Certified Arborists